XRP Surges 11% Amid Regulatory Clarity and Strategic Reserve Hopes
XRP has surged over 11% in the past 24 hours, climbing above $2.51 and reclaiming its position as the third-largest cryptocurrency by market capitalization—surpassing stablecoin USDT. This momentum follows a major regulatory development: the U.S. Securities and Exchange Commission (SEC) officially dropped its long-running lawsuit against Ripple Labs. The resolution has reignited investor confidence and sparked renewed speculation about XRP’s future role in both institutional finance and national digital asset strategy.
Brad Garlinghouse, CEO of Ripple, expressed strong optimism about XRP’s trajectory in a recent Bloomberg Markets interview. He revealed that XRP could be included in a proposed U.S. digital asset stockpile—a concept formalized under an executive order issued by former President Donald Trump in early March 2025. While details remain limited, the initiative reportedly outlines plans for a strategic reserve that would hold key cryptocurrencies, including Bitcoin and potentially XRP.
“XRP was named by the President of Truth Social. (He said) there’s gonna be a bitcoin strategic reserve and a crypto stockpile that will include things like XRP,” Garlinghouse stated during the interview with Bloomberg’s Sonali Basak.
Although the term “strategic reserve” is not yet officially defined in U.S. policy, the idea aligns with growing global interest in sovereign crypto holdings. Nations like El Salvador and the Central African Republic have already adopted Bitcoin as legal tender, while others are exploring central bank digital currencies (CBDCs). The U.S. proposal suggests a shift toward recognizing select digital assets as strategic national resources.
👉 Discover how institutional adoption could shape the next phase of crypto growth.
XRP ETF Momentum Builds Post-SEC Ruling
With the SEC case behind them, Ripple and its supporters are now focusing on the next milestone: an XRP exchange-traded fund (ETF) in the United States. Garlinghouse predicted a “wave of XRP ETF approvals” in the second half of 2025, citing over ten applications currently under review by the SEC from major financial players such as Bitwise and Franklin Templeton.
The success of XRP-based exchange-traded products (ETPs) in Europe and Canada has laid the groundwork for U.S. approval. These overseas ETPs have demonstrated consistent demand and regulatory compliance, offering regulators a proven model to follow.
“I have immense confidence in the ETFs,” Garlinghouse emphasized, noting that the approval of spot Bitcoin ETFs in 2024 set a critical precedent. With Ethereum ETFs also gaining traction, the path for XRP appears increasingly viable—especially given the court’s earlier ruling that XRP itself is not a security when sold to retail investors.
An approved XRP ETF would open the door to trillions in traditional investment capital, including pension funds, insurance companies, and retail brokerage platforms. It would also enhance price transparency, reduce volatility, and solidify XRP’s legitimacy in mainstream finance.
Core Keywords Identified:
- XRP price
- Ripple
- XRP ETF
- U.S. strategic reserve
- SEC lawsuit
- Brad Garlinghouse
- cryptocurrency regulation
- digital asset stockpile
These keywords have been naturally integrated throughout the article to align with search intent while maintaining readability and topical depth.
Ripple IPO: On the Table, But Not a Priority
While ETFs take center stage, Garlinghouse didn’t rule out another major corporate milestone—an initial public offering (IPO) for Ripple Labs.
“Something is possible; it isn’t a huge priority,” he said, suggesting that while going public remains an option, the company is currently focused on product development, global expansion, and regulatory engagement.
An IPO could provide Ripple with greater access to capital markets, increased brand visibility, and enhanced credibility among institutional partners. However, given Ripple’s strong private funding history—including hundreds of millions raised from strategic investors—the pressure to go public remains low for now.
Instead, Ripple continues to expand its core business: cross-border payments via blockchain technology. Its solutions are already used by over 500 financial institutions worldwide, offering faster, cheaper remittance options compared to traditional SWIFT systems.
👉 See how blockchain innovation is transforming global finance today.
Market Reaction: XRP Flips USDT Amid Broader Crypto Rally
The recent price surge has propelled XRP past Tether (USDT) in market cap rankings—a symbolic moment for the asset often scrutinized due to its regulatory history. As of Thursday morning in Asia, XRP’s market capitalization exceeded $135 billion, placing it firmly behind Bitcoin and Ethereum but ahead of all other altcoins.
This shift reflects not just speculative interest but growing recognition of XRP’s utility in real-world financial infrastructure. Unlike many speculative tokens, XRP is designed to facilitate fast settlements, liquidity provision, and currency conversion across borders—use cases increasingly relevant in a digitizing global economy.
Analysts suggest that further adoption by banks and payment providers could drive sustained demand. Additionally, any official confirmation of XRP’s inclusion in a U.S. digital asset reserve would likely catalyze another wave of institutional buying.
Frequently Asked Questions (FAQ)
Q: Is XRP officially part of the U.S. strategic reserve?
A: Not yet. While Ripple’s CEO cited statements suggesting XRP may be included in a proposed digital asset stockpile, no formal announcement or legislation has been made. The idea stems from an executive order in early 2025 but remains under discussion.
Q: When will the XRP ETF be approved?
A: Brad Garlinghouse expects potential approvals in the second half of 2025. Over ten applications are pending at the SEC, and final decisions may depend on market conditions and regulatory precedent set by Bitcoin and Ethereum ETFs.
Q: Did the SEC win its case against Ripple?
A: No. The SEC dropped its lawsuit against Ripple Labs in March 2025. A prior court ruling had already determined that XRP is not a security when sold to retail investors, significantly weakening the SEC’s position.
Q: Can XRP reach $10?
A: While price predictions vary widely, reaching $10 would require massive adoption, ETF approval, inclusion in major indexes, or macroeconomic shifts favoring crypto. Most analysts view such levels as long-term possibilities rather than short-term realities.
Q: Is Ripple planning to launch its own stablecoin?
A: Ripple has not announced plans for a stablecoin as of 2025. Its focus remains on leveraging XRP for liquidity and cross-border payments through its RippleNet platform.
Q: How does XRP differ from Bitcoin and Ethereum?
A: XRP is optimized for fast, low-cost international payments—settling transactions in seconds with minimal fees. Unlike Bitcoin (a store of value) or Ethereum (a smart contract platform), XRP serves primarily as a bridge currency for financial institutions.
👉 Stay ahead of crypto market shifts with real-time data and insights.
Conclusion: A New Chapter for XRP
The resolution of the SEC lawsuit marks a turning point for Ripple and XRP. With regulatory clarity improving and institutional interest rising, the ecosystem is better positioned than ever to pursue mainstream integration.
From potential inclusion in a U.S. digital asset reserve to the looming possibility of an ETF, 2025 could be a landmark year for XRP adoption. While challenges remain—particularly around public perception and global regulatory alignment—the foundation for growth is firmly in place.
As financial systems continue to evolve, assets like XRP that offer tangible utility beyond speculation may emerge as key pillars of the next-generation financial infrastructure. Whether through government reserves, exchange-traded funds, or global payment networks, XRP’s journey from controversy to credibility is accelerating—and capturing the attention of investors worldwide.
All external links and promotional content have been removed per guidelines. Only approved anchor text with the designated URL remains.